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Automobile coverage consists of liability and physical damage coverages. Automobile liability coverage protects your organization when a person is injured or a person's property is damaged as a result of an occurrence that's automobile-related. When emergency vehicles are covered for physical damage coverage on an agreed value basis, you choose the agreed value for each vehicle.


  • If you commandeered a vehicle for an emergency situation, coverage is provided as follows:

        -  primary liability coverage, and
        -  primary physical damage on an actual cash value basis.

  • Incurred towing and labor expenses not to exceed 200 miles of disablement.

  • Additional 25% of the loss to cover the costs you incur in bringing the repaired or replaced parts into compliance with the latest safety standards.

  • Your employees or volunteers are automatically protected, when using their own vehicles on behalf of the insured organization at the time of an accident as follows:

-  excess liability coverage is provided over their own personal auto liability coverage limit
-  reimbursement of their personal auto physical damage deductible, or, if no personal auto physical damage coverage, will pay up to the actual cash value of their vehicle.

  • Deductible Waiver applies for covered losses under multiple VFIS policies.

  • Recertification included in claims settlement.

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